Card Account

Every organization has at least one card account. A card account is a sub-entity below the organization level. Card accounts can be set up to separate for example expense types or differ between major projects. Card accounts are set up during the onboarding process of an organization and cannot be created by the customer itself.

Each card account has a fixed currency and a fixed issuer. Meaning you can have a EUR card account and a USD card account where the payments and transactions are therefore then settled in the corresponding currency of the account. Depending on the configuration of the card account, different cards can be offered. Hence not all cards are available in all card accounts.

Use cases for multiple card accounts below an organization can be:

• Travel agencies can use one account for employee expenses and one for travel bookings for their customers.
• Software resellers can use one account for employee expenses which is prefunded and one account with a credit line with a 30-day payment term.
• Movie companies can have different billing bank accounts for different movie projects where they park the money raised to fund the movie. They can reflect this structure with Pliants card accounts.

Bank Account Information

Depending on the banking partner that is used for the organization, the data in the bankAccountInformation field will be one of the following (as of 2025):

• one bank account per card account, e.g.:

[...]
"bankAccountInformation": [  
                {  
                    "beneficiary": "{{name}}",  
                    "bankName": "Varengold Bank",  
                    "bic": "VGAGDEHHXXX",  
                    "iban": "DE71200301332900100461",  
                    "accountNumber": null,  
                    "sortCode": null,  
                    "transferType": null  
                }  
]
[...]

• two bank accounts per card account, e.g.:

[...]
"bankAccountInformation": [
                {
                    "beneficiary": "{{name}}",
                    "bankName": "SAXO PAYMENTS",
                    "bic": "SXPYDEHHXXX",
                    "iban": "DE05202208000024265697",
                    "accountNumber": null,
                    "sortCode": null,
                    "transferType": "LOCAL"
                },
                {
                    "beneficiary": "{{name}}",
                    "bankName": "Banking Circle S.A.",
                    "bic": "BCIRLULLXXX",
                    "iban": "LU354080000024265697",
                    "accountNumber": null,
                    "sortCode": null,
                    "transferType": "SWIFT"
                }
]
[...]

Data Model